WeCovr

The Ultimate Guide to Londons Best Private GPs

Finding the right private GP in London can be overwhelming with hundreds of practitioners across the capital. This comprehensive guide ranks the best private general practitioners based on patient reviews, clinical expertise, CQC ratings, and service quality to help you make an informed choice for your healthcare needs.

Last updated Oct 25, 2026

Editorial standards

We research and update guides regularly, keep commercial relationships separate from editorial rankings, and publish content for information only rather than personal advice.

Highly rated by our customers
over 1,000,000 policies arranged
Expert guidance



TL;DR

Finding the right private GP in London can be overwhelming with hundreds of practitioners across the capital. This comprehensive guide ranks the best private general practitioners based on patient reviews, clinical expertise, CQC ratings, and service quality to help you make an informed choice for your healthcare needs.

Key takeaways

  • Potentially same-day or potentially next-day appointments
  • Extended consultation times allowing thorough examinations
  • Direct specialist referrals without lengthy NHS waiting lists
  • 24/7 out-of-hours services at many practices
  • Continuity of care with the same GP for each visit

The Ultimate Guide to Londons Best Private GPs

Finding the right private GP in London can be overwhelming with hundreds of practitioners across the capital. This comprehensive guide ranks the best private general practitioners based on patient reviews, clinical expertise, CQC ratings, and service quality to help you make an informed choice for your healthcare needs.

Why Choose a Private GP in London?

London's NHS services face unprecedented demand, with waiting times for GP appointments often stretching weeks. Private GPs offer potentially same-day appointments, longer consultation times (typically 30+ minutes vs 10-15 minutes NHS), and direct access to specialists. With consultation fees ranging from £89 to £250, private healthcare provides prompt access, where available, to experienced doctors when you need it most.

Key advantages include:

  • Potentially same-day or potentially next-day appointments
  • Extended consultation times allowing thorough examinations
  • Direct specialist referrals without lengthy NHS waiting lists
  • 24/7 out-of-hours services at many practices
  • Continuity of care with the same GP for each visit

Top 10 Private GPs in London: Complete Rankings & Analysis

1. Dr Martin Saweirs - Dr Martin GP ⭐⭐⭐⭐⭐

The Gold Standard for Private GP Care

Address: 14 Harley Street, London W1G 9PQ Phone: 020 4580 1414 Email: enquiries@drmartingp.com Website: drmartingp.com Google Rating: 5.0/5 (334 reviews) CQC Status: Registered 2023 GMC Number: 7041375

Qualifications & Experience:

  • MBChB, MRCGP, BSc (Hons), PGDip Dermatology
  • University of Edinburgh Medical School graduate
  • 16+ years post-qualification experience
  • Member of The Royal College of General Practitioners

Specialties:

  • General practice and family medicine
  • Dermatology and minor surgery
  • Paediatrics and psychiatry
  • Health screening and preventative medicine

Services & Fees:

  • Consultation Fee (illustrative): From £140
  • Opening Hours: Weekdays 9am-8pm
  • Appointment Types: In-person, video, telephone
  • Home visits available across Central and West London

Insurance Acceptance: Accepts referrals from all major private medical insurers including Bupa, AXA, Aviva, and Vitality.

Why Dr Martin Ranks #1: Dr Saweirs combines exceptional clinical skills with a genuinely personal approach. Patients consistently praise his thoroughness, accessibility, and ability to explain complex medical issues clearly. His practice on Harley Street offers state-of-the-art facilities with unhurried appointments that allow comprehensive care. The practice maintains continuity of care principles, ensuring patients see the same GP consistently.

Notable Partnerships: Exclusive medical provider for Cameron Mackintosh Productions, caring for cast members of Les Misérables, Phantom of the Opera, Hamilton, and other West End shows.

2. Dr Richard Dawood - Fleet Street Clinic ⭐⭐⭐⭐⭐

London's Premier Travel Medicine Specialist

Address: 29 Fleet Street, London EC4Y 1AA Phone: 020 7353 5678 Website: fleetstreetclinic.com Google Rating: Excellent patient reviews CQC Status: Good (Overall rating)

Qualifications & Experience:

  • BSc MBBS MD DTM&H DRCOG FRCR CTROPMED CTH FFTM RCPSG
  • 35+ years practicing medicine
  • Founding Member and Fellow of International Society of Travel Medicine
  • Fellow of Royal Society of Tropical Medicine and Hygiene

Specialties:

  • Travel medicine and tropical diseases (internationally recognised expert)
  • General practice and family medicine
  • Vaccinations and preventative care
  • Emergency medical care and home visits

Services & Fees:

  • Consultation Fee: From £150[estimated]
  • Opening Hours: Mon-Thu 8:45am-8:00pm, Fri 8:45am-5:30pm
  • Potentially same-day appointments available
  • Home visits throughout London

Insurance Acceptance: Works with all major UK and international insurance providers.

Why Fleet Street Clinic Ranks #2: Dr Dawood pioneered travel medicine as a clinical specialty in the UK. His clinic serves high-profile clients including international journalists, diplomatic personnel, and entertainment industry professionals requiring complex travel medical support. Patients benefit from world-class expertise in tropical diseases and comprehensive general practice services.

Notable Achievements: Author of "Traveller's Health," the definitive guide for travel medicine professionals and patients worldwide.

3. Dr Paul Ettlinger - The London General Practice ⭐⭐⭐⭐

Spear's Magazine Recommended Excellence

Address: 114A Harley Street, London W1G 7JL Phone: 020 7935 1000 Website: thelondongeneralpractice.com Google Rating: 3.1/5 (55 reviews) / Doctify: 4.7/5 (139 reviews) CQC Status: Good

Qualifications & Experience:

  • BM, DRCOG, FRCGP, DOccMed
  • Fellow of Royal College of General Practitioners
  • Former lecturer at Imperial College London
  • Published researcher in British Medical Journal

Specialties:

  • Men's health and preventative medicine
  • Corporate healthcare and occupational health
  • Health screening and executive medicals
  • 24/7 medical care

Services & Fees:

  • Consultation Fee: From £200+[estimated]
  • Minimum appointment duration: 30 minutes
  • 24/7 availability including home visits
  • Global healthcare concierge services

Insurance Acceptance: Recognised by all major private medical insurers with direct settlement arrangements.

Why London General Practice Ranks #3: Featured in Spear's 500 Recommended Private GPs 2024 for high-net-worth individuals. Recent CQC inspection praised the practice for "excellent care that made significant contributions to patients' health and well-being". The practice offers comprehensive corporate healthcare services and international medical concierge support.

4. Dr Daniel Gordon ⭐⭐⭐⭐⭐

Holistic Healthcare Pioneer

Address: 5-6 Monkville Parade, London NW11 0AL Website: doctordanielgordon.com Google Rating: 5.0/5 (189 reviews)

Qualifications & Experience:

  • MRCGP and additional holistic medicine qualifications
  • Practicing privately since 2017
  • Specialist in lifestyle and integrative medicine

Specialties:

  • Holistic and lifestyle medicine
  • Preventative healthcare and wellness
  • Personalised treatment plans
  • Potentially same-day appointments for children

Services & Fees:

  • Adult New Patient (illustrative): £225
  • Standard Consultation (illustrative): £140
  • Child New Patient (illustrative): £165
  • Video/Telephone consultations available

Why Dr Gordon Ranks #4: Perfect 5-star Google rating demonstrates exceptional patient satisfaction. Dr Gordon's holistic approach focuses on treating underlying causes rather than just symptoms, incorporating lifestyle factors into comprehensive care plans.

5. Sloane Street Surgery - Multi-Partner Excellence ⭐⭐⭐⭐⭐

75 Years of Distinguished Medical Heritage

Address: 82 Sloane Street, London SW1X 9PA Phone: 020 7245 9333 Website: sloanestreetsurgery.co.uk CQC Status: Good Established: 1945 (80+ years)

Lead Partners:

  • Dr Patrick Ruane - BSc (Hons) MBChB (Hons) MRCP MRCGP (GMC: 6079049)
  • Dr Chiara Hunt - MBBS BSc MRCGP DFSRH (GMC: 6129804)
  • Dr Iona Cobb - MBBS DCH DRCOG MRCGP (GMC: 2991058)

Specialties:

  • Family practice across multiple generations
  • Women's and men's health
  • Paediatrics and pregnancy care
  • Mental health and sexual health

Services & Fees:

  • Consultation Fee (illustrative): £250
  • 24/7 emergency care including weekends
  • Home, hotel, and hospital visits
  • Comprehensive health screening

Insurance Acceptance: Recognised by all major UK private medical insurers.

Why Sloane Street Surgery Ranks #5: Over 75 years of medical excellence serving generations of London families. Patient reviews consistently highlight exceptional care, particularly Dr Chiara Hunt's expertise with children and families. The practice maintains old-fashioned values of continuity and personalised care combined with modern medical excellence.

6. Courtfield Private Practice - Family-Centred Excellence ⭐⭐⭐⭐

Independent Family Medicine Since 1997

Address: 73 Courtfield Gardens, London SW5 0NL Website: courtfieldpp.co.uk Established: 1997 CQC Status: Good

Team Experience:

  • 125+ years combined GP experience
  • Family-owned and operated practice
  • Specialises in multi-generational family care

Specialties:

  • Family practice and paediatrics
  • Health screening for men and women
  • 24/7 out-of-hours care
  • Membership schemes for regular patients

Services & Fees:

  • Membership (illustrative): From £110 per month
  • Potentially same-day appointments available
  • Face-to-face, video, and phone consultations

Why Courtfield Ranks #6: Quarter-century of family-focused care with exceptional patient loyalty. The practice's membership model offers excellent value for families requiring regular medical care. Patients particularly value the 24/7 personal service and continuity of care.

7. London Doctors Clinic - Spire Healthcare Network ⭐⭐⭐⭐

Nationwide Private GP Access

Multiple Locations: 16 clinics across London Phone: 020 3993 9856 Website: londondoctorsclinic.co.uk Trustpilot Rating: 4.2/5 (1,777 reviews) Parent Company: Spire Healthcare

Services & Coverage:

  • 16 London locations including Victoria, Canary Wharf, Liverpool Street
  • Extended hours: Up to 14 hours daily, 7 days per week
  • Potentially same-day appointments from 8am

Specialties:

  • General practice and urgent care
  • Dermatology and physiotherapy
  • Occupational health services
  • Mental health services

Services & Fees:

  • 15-minute consultation (illustrative): From £89
  • Evening appointments (illustrative): From £99
  • Weekend/Bank Holiday (illustrative): From £105

Insurance Acceptance: Part of Spire Healthcare network - accepted by all major insurers.

Why London Doctors Clinic Ranks #7: Excellent accessibility with 16 London locations and extended operating hours. Potentially same-day appointments available with experienced GMC-registered doctors. Patient testimonials consistently praise the efficiency, professionalism, and convenience.

8. DocTap - Technology-Driven Healthcare ⭐⭐⭐⭐

Digital Innovation in Private Healthcare

Multiple Locations: 11+ clinics across London Phone: 020 7183 3254 Website: doctap.co.uk Google Rating: 4.8/5 (114 reviews) Patients Treated: 500,000+ Founded: 2016

Technology Features:

  • Advanced online booking system
  • Potentially same-day appointments without queues
  • Digital prescriptions and results delivery

Services & Fees:

  • Consultation Fee (illustrative): From £34
  • Weekend and evening availability
  • Walk-in appointments welcome

Why DocTap Ranks #8: Exceptional value with consultations from £34 and innovative digital healthcare delivery. Over 500,000 patients treated demonstrates proven track record. Technology-focused approach appeals to busy professionals. (illustrative estimate)

9. Cleveland Clinic London - International Excellence ⭐⭐⭐⭐

World-Renowned American Healthcare Standards

Address: 33 Grosvenor Place, London SW1X 7HY Phone: 020 3423 7500 Website: clevelandcliniclondon.uk Founded: 2002 International Patients: 3,000+ annually from 120 countries

Clinical Excellence:

  • 60+ specialist physicians
  • 100+ allied health professionals
  • Partnership with Great Ormond Street Hospital
  • Yellow fever vaccination centre

Services & Fees:

  • GP Consultation (illustrative): From £88
  • Extended consultation times available
  • Comprehensive health screening
  • Corporate health services

Insurance Acceptance: Recognised by all major UK and international insurers including Bupa, AXA, Aviva, Vitality, and Cigna.

Why Cleveland Clinic Ranks #9: International reputation with American clinical standards. Comprehensive range of specialists under one roof reduces referral waiting times. Partnership with GOSH provides exceptional paediatric care access.

10. Broadgate GP - City of London Convenience ⭐⭐⭐

Prime Location for City Workers

Address: 65 London Wall, London EC2M 5TU Phone: 020 7638 4330 Website: broadgategp.co.uk Google Rating: 3.7/5 (17 reviews) Founded: 2009 CQC Status: Regulated

Location Advantages:

  • Located behind Liverpool Street Station
  • Excellent transport links throughout Central London
  • Video consultations available

Specialties:

  • Travel medicine and vaccinations
  • International travel clinic
  • Adults only (18+ years)
  • Complex case management

Services & Fees:

  • Consultation Fee: From £80[estimated]
  • Travel vaccination specialists
  • Hotel partnerships for international clients

Why Broadgate GP Ranks #10: Excellent location for City workers with specialized travel medicine services. One of only three London practices capable of managing complex hospitalisation cases. Strong partnerships with hotels and travel agents.

Understanding Private Medical Insurance and GP Access

Major Insurance Providers Accepted

All top-ranked practices accept the following insurers:

  • Bupa (UK's largest private health insurer)
  • AXA Health (comprehensive coverage options)
  • Aviva Health (competitive pricing)
  • Vitality Health (wellness-focused policies)
  • WPA (specialist regional coverage)
  • Cigna (international coverage)

How to Use Private Medical Insurance with Your GP

Step 1: GP Referral Most insurers require a GP referral before authorising specialist treatment. You can obtain this from your NHS GP or directly from a private GP.

Step 2: Insurance Authorisation Contact your insurer with your referral to obtain a pre-authorisation code. Always confirm coverage details before treatment.

Step 3: Direct Settlement Most practices offer direct billing to insurance providers, eliminating upfront payments.

The Role of Specialist Brokers

WeCovr, an insurance broker, has arranged over 1,000,000 policies across a range of insurance types. One of its core specialisms is finding optimal private medical insurance coverage both for its individual and business clients. Specialist specialists at WeCovr and its broker partners provide:

  • Independent market comparison across all major insurers
  • Personalised policy recommendations based on individual needs
  • Ongoing claims support throughout treatment
  • No additional cost to clients (commission paid by insurers)

Average UK Private Medical Insurance Costs (2025):

  • Individual (illustrative): £79.59 per month
  • Couple (illustrative): £145.77 per month
  • Family of four (illustrative): £166.52 per month

Comprehensive Service Analysis

Consultation Fees Comparison

PracticeStandard ConsultationExtended ConsultationSpecialist Features
Dr Martin GP£140£195+Dermatology, minor surgery
Fleet Street Clinic£150+£200+Travel medicine expertise
London General Practice£200+£250+Executive health screening
Dr Daniel Gordon£140£195Holistic medicine
Sloane Street Surgery£250£300+Multi-generational family care
Courtfield Private Practice£110+ (membership)£150+Family membership schemes
London Doctors Clinic£89£105+Multiple locations
DocTap£34£50+Digital-first approach
Cleveland Clinic£88£120+Specialist integration
Broadgate GP£80+£100+Travel medicine

Appointment Availability

Potentially same-day Appointments:

  • Dr Martin GP: Available weekdays
  • Fleet Street Clinic: 24-hour booking system
  • London Doctors Clinic: 8am-10pm across multiple sites
  • DocTap: Walk-in and potentially same-day digital booking

24/7 Services:

  • Sloane Street Surgery: Emergency on-call service
  • The London General Practice: Home visits and telephone support
  • Courtfield Private Practice: Out-of-hours GP coverage

Speciality Services Directory

Travel Medicine Specialists:

  1. Fleet Street Clinic - International gold standard
  2. Broadgate GP - City location convenience
  3. Cleveland Clinic - Yellow fever vaccination centre

Family Medicine Experts:

  1. Sloane Street Surgery - 75+ years family tradition
  2. Courtfield Private Practice - Paediatric specialists
  3. Dr Martin GP - Multi-generational care

Men's Health Specialists:

  1. The London General Practice - Dr Paul Ettlinger's expertise
  2. Cleveland Clinic - Comprehensive men's services

Women's Health Specialists:

  1. Sloane Street Surgery - Dr Chiara Hunt
  2. Cleveland Clinic - Gynaecological services

CQC Ratings and Regulatory Compliance

Current CQC Ratings:

  • Fleet Street Clinic: Good (all categories)
  • Sloane Street Surgery: Good (comprehensive inspection)
  • The London General Practice: Good (recent inspection praised care quality)
  • Courtfield Private Practice: Good (ongoing monitoring)

Regulatory Standards:

All featured practices maintain:

  • GMC registration for all doctors[Multiple sources]
  • CQC registration where required[Multiple sources]
  • Professional indemnity insurance[Multiple sources]
  • Continuing professional development requirements[Multiple sources]

Technology and Digital Services

Online Booking Systems:

  • Dr Martin GP: Advanced online appointment scheduling
  • DocTap: Industry-leading digital platform
  • London Doctors Clinic: Multi-site booking system
  • Cleveland Clinic: Integrated MyChart patient portal

Telemedicine Services:

Video Consultations Available:

  • Dr Martin GP (weekdays 9am-8pm)
  • Dr Daniel Gordon (flexible scheduling)
  • London Doctors Clinic (7-day availability)
  • Sloane Street Surgery (integrated with practice management)

Digital Health Records:

Most practices offer secure patient portals for:

  • Prescription management
  • Test result access
  • Appointment scheduling
  • Secure messaging with GPs

Geographic Coverage and Accessibility

Central London (Zone 1):

  • Dr Martin GP - Harley Street medical district
  • Fleet Street Clinic - City of London
  • The London General Practice - Harley Street
  • Cleveland Clinic - Belgravia
  • Broadgate GP - Near Liverpool Street

West London:

  • Sloane Street Surgery - Chelsea/Knightsbridge
  • Courtfield Private Practice - South Kensington

North London:

  • Dr Daniel Gordon - Hampstead area

Multi-Location Networks:

  • London Doctors Clinic - 16 locations
  • DocTap - 11+ locations

Patient Experience and Reviews Analysis

Highest Patient Satisfaction:

  1. Dr Martin GP - 5.0/5 (334 reviews)
  2. Dr Daniel Gordon - 5.0/5 (189 reviews)
  3. DocTap - 4.8/5 (114 reviews)

Consistently Praised Features:

  • Thoroughness of consultations[Multiple sources]
  • Doctor accessibility and communication[Multiple sources]
  • Appointment availability and flexibility[Multiple sources]
  • Professional and caring staff[Multiple sources]

Common Patient Priorities:

  1. Potentially same-day appointment availability (mentioned in 80%+ reviews)
  2. Longer consultation times (consistently valued feature)
  3. Continuity of care (seeing same GP repeatedly)
  4. Clear communication and explanation of medical issues

Cost-Effectiveness Analysis

Good Value Options:

  • DocTap (illustrative): From £34 for basic consultations
  • London Doctors Clinic (illustrative): From £89 with multiple locations
  • Cleveland Clinic (illustrative): From £88 with specialist integration

Premium Services:

  • Sloane Street Surgery (illustrative): £250 for comprehensive family care
  • The London General Practice (illustrative): £200+ with executive health focus

Membership Models:

  • Courtfield Private Practice (illustrative): £110/month for unlimited consultations
  • Dr Martin GP: Packages available for regular patients

Recommendations by Patient Type

For Busy Professionals:

  1. London Doctors Clinic - Multiple convenient locations
  2. DocTap - Potentially same-day digital booking
  3. Broadgate GP - City of London location

For Families with Children:

  1. Sloane Street Surgery - Multi-generational expertise
  2. Courtfield Private Practice - Paediatric specialists
  3. Dr Martin GP - Family-friendly approach

For International Travellers:

  1. Fleet Street Clinic - World-leading travel medicine
  2. Cleveland Clinic - International patient experience
  3. Broadgate GP - Travel vaccination specialists

For Preventative/Executive Health:

  1. The London General Practice - Executive health screening
  2. Dr Martin GP - Comprehensive health assessments
  3. Cleveland Clinic - Integrated specialist services

For Holistic/Lifestyle Medicine:

  1. Dr Daniel Gordon - Holistic healthcare pioneer
  2. Dr Martin GP - Lifestyle and wellness focus

Digital Health Integration:

  • Artificial intelligence diagnostic support
  • Remote monitoring capabilities
  • Integrated health records across providers

Expanded Service Models:

  • Corporate healthcare partnerships
  • International patient services
  • Wellness and preventative care focus

Regulatory Developments:

  • Enhanced CQC inspection standards
  • Digital health service regulations
  • Professional development requirements

Conclusion

London's private GP landscape offers exceptional healthcare options ranging from traditional family practices to cutting-edge international clinics. Dr Martin Saweirs emerges as the top choice, combining clinical excellence, patient satisfaction, and comprehensive service delivery. Fleet Street Clinic excels in specialist travel medicine, while Sloane Street Surgery provides strong family healthcare heritage.

For those seeking private healthcare, specialist specialists at WeCovr and its broker partners can arrange comprehensive private medical insurance policies, ensuring access to London's finest private GPs and specialists. With consultation fees from £34 to £250, London offers private GP services for every budget and healthcare need. (illustrative estimate)

The key to successful private healthcare lies in matching your specific requirements with the right practitioner's expertise, location, and service model. Whether prioritising potentially same-day access, family care, specialist services, or international standards, London's private GP market provides world-class options for discerning patients.

This guide provides the foundation for informed healthcare decisions, ensuring you receive the best possible private medical care in one of the world's leading healthcare cities.

Get Tailored Quote

Sources researched

  • healthprem.com/articles/best-private-gp-clinics-in-central-london

  • drdropin.uk/general-practitioner

  • kentfamilymedical.co.uk/how-much-is-a-private-gp-appointment/

  • theprivategpclinic.co.uk/our-fees/

  • hje.org.uk/clinics/private-gp/

  • hcahealthcare.co.uk/services/gp-and-urgent-care/private-gp-services

  • thelondongeneralpractice.com

  • thelondonclinic.co.uk/information-for-patients/how-to-pay/arranging-private-medical-insurance

  • sloanestreetsurgery.co.uk

  • courtfieldpp.co.uk

  • doctify.com/uk/specialist/dr-martin-saweirs

  • cqc.org.uk/location/1-14779815035

  • drmartingp.com

  • doctordanielgordon.com/fees

  • clevelandcliniclondon.uk/patients/payments/private-medical-insurance

  • cromwellhospital.com/patients-visitors/paying-for-treatment/paying-with-insurance/

  • fleetstreetclinic.com/blog-resources/christopher-barrett-joins-the-fleet-street-clinic-team-2/

  • cqc.org.uk/location/1-118072619

  • cqc.org.uk/location/1-118072619/inspection-summary

  • mydoctors.uk/best-private-gps-in-london/

  • fleetstreetclinic.com/about-us/our-team/

  • fleetstreetclinic.com/blog-resources/home-visit-doctor-appointment-london/

  • fleetstreetclinic.com/?taxonomy=product_shipping_class

  • thelondongeneralpractice.com/best-private-doctors-london-2024/

  • thelondongeneralpractice.com/the-best-private-doctors-and-surgeons-in-2024/

  • healthinsurance247.co.uk/guides/15-best-private-gps-in-london

  • cqc.org.uk/location/1-116840400/inspection-summary

  • doctorsup.co.uk/345/the-sloane-street-surgery

  • sloanestreetsurgery.co.uk/private-gp-kensington/

  • sloanestreetsurgery.co.uk/what-we-do/family-practice/

  • cqc.org.uk/location/1-415580281/reports

  • londondoctorsclinic.co.uk

  • trustpilot.com/review/londondoctorsclinic.co.uk?page=3

  • londondoctorsclinic.co.uk/about/testimonials/

  • londondoctorsclinic.co.uk/prices/

  • clevelandcliniclondon.uk/clinical-institutes/general-practice

  • clevelandclinic.co.uk/build/img/icon/CC-Price-List-2024-01.04.2024.pdf

  • broadgategp.co.uk

  • kingedwardvii.co.uk/patient-information/private-medical-insurance

  • spirehealthcare.com/how-to-book/private-health-insurance/

  • wecovr.com/guides/why-wecovr-is-considered-the-best-private-medical-insurance-broker-in-the-uk-for-2025/

  • wecovr.com/guides/from-quote-to-claim-why-wecovr-is-the-uks-most-recommended-pmi-broker/

  • clevelandcliniclondon.uk/patients/payments

  • topdoctors.co.uk/central-london/gp-general-practioner/aviva/

  • drmartingp.com/reviews

  • doctap.co.uk

  • doctify.com/uk/find/general-practice-gp/london/specialists

  • topdoctors.co.uk/se1-south-bank-london/gp-general-practioner/

  • thelondongeneralpractice.com/spears-500-top-recommended-london-doctors-clinics-2024/

  • spearswms.com/luxury/health-wellness/the-best-private-doctors-surgeons-for-high-net-worth-individuals/

  • privatedoctor.london

  • bupa.co.uk/health/payg/gp-services

  • harleyhealthcentre.com

  • drdropin.uk/blog/How-much-is-a-Private-Doctor-in-London

  • harleydoc.co.uk/private-gp-in-harley-street-london/

  • lycahealth.com/location/canary-wharf/private-gp/

  • medicalexpressclinic.co.uk

  • onewelbeck.com/pricing-and-payments/

  • privatemedicalclinic.com/private-gp-london

  • cqc.org.uk/location/1-2458572093/reports

  • samedaydoctor.org

  • cqc.org.uk/location/1-452208131/inspection-summary

  • wecovr.com/guides/ais-pick-for-uks-top-private-medical-insurance-broker-wecovrs-202/

  • cqc.org.uk/location/1-9677343636/inspection-summary

  • cqc.org.uk/location/1-10232851722/inspection-summary

  • wecovr.com/guides/uk-private-health-insurance-how-wecovr-delivers-better-cover-at-better-value/

  • cqc.org.uk/location/1-1908091614/inspection-summary

  • wecovr.com/guides/wecovrs-2025-pmi-review-uks-most-trusted-private-health-insurance/

  • cqc.org.uk/location/1-168489797/reports

  • wecovr.com/guides/private-medical-insurance-in-the-uk-wecovrs-expert-approach-to-saving-you-more/

  • uk.linkedin.com/in/dr-richard-dawood

  • thegpsurgery.co.uk/doctor/summary-of-services-and-fees/

  • sloanemedicalpractice.com

  • uk.trustpilot.com/review/londondoctorsclinic.co.uk

  • feefo.com/en-GB/reviews/london-doctors-clinic

  • londondoctorsclinic.co.uk/clinics/victoria/

  • spirehealthcare.com/book-a-private-gp/

  • myhealthspecialist.com/specialists/martin-saweirs

  • thelondonclinic.co.uk/private-gp

  • idrf.co.uk/members/profiles/dr-martin-saweirs.aspx?Specialty=20&SubSpecialty=0&AreaCode=SO23&SearchCriteria=Winchester&PageNumber=14

  • lycahealth.com/news/advice/private-gp-london/

  • cqc.org.uk/location/1-14779815035/contact

  • clevelandcliniclondon.uk/patients/payments/self-pay

  • clevelandcliniclondon.uk/patients/payments/self-pay/orthopaedics

  • releaf.co.uk/gp-practice/dr-martin-private-general-practitioners

  • londongpclinic.co.uk

Sources

  • NHS England: Waiting times and referral-to-treatment statistics.
  • Office for National Statistics (ONS): Health, mortality, and workforce data.
  • NICE: Clinical guidance and technology appraisals.
  • Care Quality Commission (CQC): Provider quality and inspection reports.
  • UK Health Security Agency (UKHSA): Public health surveillance reports.
  • Association of British Insurers (ABI): Health and protection market publications.

Important Information and Risks

No advice: This article is for general information only. It is not financial, legal, insurance, or tax advice, and it is not a personal recommendation. WeCovr does not assess your individual circumstances or recommend a specific product through this article.

Policy exclusions and underwriting: Insurance policies, including life insurance, private medical insurance, critical illness cover, and income protection, are subject to insurer underwriting, eligibility, acceptance criteria, terms, conditions, limits, and exclusions. Pre-existing medical conditions may be excluded, restricted, or accepted on special terms unless an insurer confirms otherwise in writing.

Tax treatment: References to tax treatment, HMRC rules, or business reliefs are based on current UK legislation and guidance, which can change. Tax treatment depends on your personal or business circumstances and may differ from examples in this article.

Before you buy: Always read the Insurance Product Information Document (IPID), policy summary, and full policy terms before buying, renewing, changing, or keeping cover. If you are unsure whether a policy is suitable for you, speak to an insurance adviser.

Before you compare PMI quotes

Start with your Protection Score, then decide whether private health cover is the right fit

Check where health access sits in your overall protection picture before deciding whether to compare private health cover.

Check My Health Access GapGet PMI Help If It Fits

Spot whether NHS access risk is the real issue

See if PMI is the gap to fix first

Get health insurance help only if it makes sense for you

📚 Recommended reads

Best Private Health Insurance UK 2026

Read

Average Cost of PMI (UK)

Read

PMI Provider Reviews

Read

Get your score

Start with your protection score

Check your current position first, then get health insurance help if you need it.

1

Check your current resilience

Score your income, health access and family protection position in a few minutes.

2

See where private cover helps

Understand whether faster diagnosis and treatment is a priority gap.

3

Continue to tailored PMI help

If health access is the issue, continue to tailored PMI help.

What you get

A quick view of your current protection position

A clearer idea of where the biggest gaps may be

A direct route to tailored help if you want it


See Plans

Related tools


WeCovr is an FCA‑regulated insurance broker. We may earn a commission if you purchase a policy via us. This guide is written to be impartial and informational.


Explore insurance hubs

Why private medical insurance and how does it work?

What is Private Medical Insurance?

Private medical insurance (PMI) is a type of health insurance that provides access to private healthcare services in the UK. It covers the cost of private medical treatment, allowing you to bypass NHS waiting lists and receive faster, more convenient care.

How does it work?

Private medical insurance works by paying for your private healthcare costs. When you need treatment, you can choose to go private and your insurance will cover the costs, subject to your policy terms and conditions. This can include:

• Private consultations with specialists
• Private hospital treatment and surgery
• Diagnostic tests and scans
• Physiotherapy and rehabilitation
• Mental health treatment

Your premium depends on factors like your age, health, occupation, and the level of cover you choose. Most policies offer different levels of cover, from basic to comprehensive, allowing you to tailor the policy to your needs and budget.

Questions to ask yourself regarding private medical insurance

Just ask yourself:
👉 Are you concerned about NHS waiting times for treatment?
👉 Would you prefer to choose your own consultant and hospital?
👉 Do you want faster access to diagnostic tests and scans?
👉 Would you like private hospital accommodation and better food?
👉 Do you want to avoid the stress of NHS waiting lists?

Many people don't realise that private medical insurance is more affordable than they think, especially when you consider the value of faster treatment and better facilities. A great insurance policy can provide peace of mind and ensure you receive the care you need when you need it.

Benefits offered by private medical insurance

Private medical insurance provides numerous benefits that can significantly improve your healthcare experience and outcomes:

Faster Access to Treatment
One of the biggest advantages is avoiding NHS waiting lists. While the NHS provides excellent care, waiting times can be lengthy. With private medical insurance, you can often receive treatment within days or weeks rather than months.

Choice of Consultant and Hospital
You can choose your preferred consultant and hospital, giving you more control over your healthcare journey. This is particularly important for complex treatments where you want a specific specialist.

Better Facilities and Accommodation
Private hospitals typically offer superior facilities, including private rooms, better food, and more comfortable surroundings. This can make your recovery more pleasant and potentially faster.

Advanced Treatments
Private medical insurance often covers treatments and medications not available on the NHS, giving you access to the latest medical advances and technologies.

Mental Health Support
Many policies include comprehensive mental health coverage, providing faster access to therapy and psychiatric care when needed.

Tax Benefits for Business Owners
If you're self-employed or a business owner, private medical insurance premiums can be tax-deductible, making it a cost-effective way to protect your health and your business.

Peace of Mind
Knowing you have access to private healthcare when you need it provides invaluable peace of mind, especially for those with ongoing health conditions or concerns about NHS capacity.

Private medical insurance is particularly valuable for those who want to take control of their healthcare journey and ensure they receive the best possible treatment when they need it most.

Important Fact!

There is no need to wait until the renewal of your current policy.
We can look at a more suitable option mid-term!

Why is it important to get private medical insurance early?

👉 Many people are very thankful that they had their private medical insurance cover in place before running into some serious health issues. Private medical insurance is as important as life insurance for protecting your family's finances.

👉 We insure our cars, houses, and even our phones! Yet our health is the most precious thing we have.

Easily one of the most important insurance purchases an individual or family can make in their lifetime, the decision to buy private medical insurance can be made much simpler with the help of experienced advisers. They are the specialists who do the searching and analysis helping people choose between various types of private medical insurance policies available in the market, including different levels of cover and policy types most suitable to the client's individual circumstances.

It certainly won't do any harm if you speak with one of our experienced insurance experts who are passionate about advising people on financial matters related to private medical insurance and are keen to provide you with a free consultation.

You can discuss with them in detail what affordable private medical insurance plan for the necessary peace of mind they would recommend! WeCovr works with some of the best advisers in the market.

By tapping the button below, you can book a free call with them in less than 30 seconds right now:

Our Group Is Proud To Have Issued over 1,000,000 policies!

We've established collaboration agreements with leading insurance groups to create tailored coverage
Working with leading UK insurers
Allianz Logo
Ageas Logo
Covea Logo
AIG Logo
Zurich Logo
BUPA Logo
Aviva Logo
Axa Logo
Vitality Logo
Exeter Logo
WPA Logo
National Friendly Logo
General & Medical Logo
Legal & General Logo
ARAG Logo
Scottish Widows Logo
Metlife Logo
HSBC Logo
Guardian Logo
Royal London Logo
Cigna Logo
NIG Logo
CanadaLife Logo
TMHCC Logo

How It Works

1. Complete a brief form
Complete a brief form
2. Our experts analyse your information and find you best quotes
Experts discuss your quotes
3. Enjoy your protection!
Enjoy your protection

Any questions?

Life Insurance and Private Medical Insurance cover you for two different purposes, so you will need to assess your needs but may wish to consider holding the two policies. Private Medical Insurance covers you if you get sick or need treatment and want or need to go privately. Life Insurance covers you in the case of death, giving a payout to family/those left behind.

Private medical insurance is designed for conditions that start after your policy begins, so pre-existing conditions are usually excluded, at least at first. With moratorium underwriting, a pre-existing condition may become eligible for cover once you have gone two continuous years on the policy without symptoms, treatment or advice for it. With full medical underwriting, the insurer tells you upfront which conditions are excluded. If you are switching from another policy or leaving a company scheme, you may be able to keep your existing underwriting terms, and some larger company schemes use Medical History Disregarded underwriting, where pre-existing conditions aren't excluded. Chronic conditions that need long-term management aren't covered by standard policies.

If you prefer to get straight into treatment in the private sector without the long waiting times with the NHS, or you just prefer the private sector anyway, without having to pay it all yourself, then you would need to have Private Medical Insurance to cover it. Some policies can also cover treatments and drugs that aren't routinely available on the NHS.

There's no fee to get quotes through WeCovr. WeCovr and its broker partners are typically paid a commission by the insurer when you take out a policy. The cost of the policy itself depends on your age, where you live, the cover you choose and your excess.

It depends on your personal choice and preferences. If you are prepared to limit yourself to NHS-covered treatments only and can or want to endure long waiting times to get into treatment, then yes, NHS might work for you. Your cover there is free. If you don't want to be exposed to long waiting times or if your treatment is not covered by the NHS, then you may benefit from Private Medical Insurance.

Private Medical Insurance is an important financial product, and policies differ in ways that matter. Speaking to a specialist at WeCovr or one of its broker partners helps make sure your requirements are understood so you can choose the right cover.

WeCovr's broker partners are firms authorised and regulated by the Financial Conduct Authority (FCA), which requires them to treat customers fairly. You can check any firm on the FCA Register.

WeCovr and its broker partners are typically paid a commission by the insurer when a policy is taken out. The premium is set by the insurer, and you don't pay a separate fee for using the service. You can ask about the commission at any time.

The cost of private health insurance depends on several factors, including your age, location, smoking status, and the type of policy you choose. Your health insurance policy is tailored to your needs, and the cost can vary based on the level of cover you require, such as the amount of excess and specific treatment allowances.

Private health insurance covers eligible conditions that arise after your policy begins. You pay a monthly or annual premium and can claim for private healthcare covered by your policy. Benefits can include quicker access to treatment than on the NHS and, on some policies, access to drugs or treatments that aren't routinely available on the NHS.

Most health insurance covers private hospital stays and may include outpatient treatments like scans, tests, or appointments. Policies vary in coverage, and exclusions often include emergency treatment, maternity care, cosmetic surgery, chronic conditions and conditions present before the policy started.

Usually not on a new personal policy: pre-existing conditions are generally excluded, whatever the premium. Depending on your underwriting, a condition may become eligible later, and if you are switching policies or leaving a company scheme you may be able to keep existing terms. If you have questions about what is covered, contact WeCovr and a specialist at WeCovr or one of its broker partners can explain the options.

Your health insurance policy begins once you've selected your policy and set up your payment. After setup, you'll receive your cover documents detailing what is and isn't covered. It's important to review these details carefully as policies differ.

An excess is the amount you contribute towards treatment when you make a claim. Choosing a higher excess can reduce your policy's monthly cost but requires a larger contribution when claiming. Depending on the insurer, it applies once per policy year or once per claim. A specialist at WeCovr or one of its broker partners can explain the excess options available.

To reduce health insurance costs, consider choosing a higher excess, which lowers the monthly premium. However, ensure the plan still meets your needs. Other factors affecting cost include lifestyle choices like smoking and potential savings for couples or family plans.

Some insurers have an upper age limit for new customers, while others don't, and age affects the price. Many insurers will renew an existing policy regardless of age. A specialist at WeCovr or one of its broker partners can help you find insurers that accept your age.

A specialist at WeCovr or one of its broker partners can compare health insurance plans from a range of insurers for you, with no fee to you. Consider individual, couple, or family plans and review coverage details thoroughly before choosing.

Usually, yes. Many insurers let you add a partner or dependent children, either at any time or at renewal, depending on the insurer. The cost depends on factors like their age, where you live and the cover you choose. Contact WeCovr or your insurer for help adding someone to your policy.

UK private medical insurance is designed for treatment in the UK, although some policies include limited cover abroad. If you live or work abroad, international health insurance may be more suitable, and WeCovr or one of its broker partners can help you compare options. For holidays, travel insurance is recommended.

Comprehensive cover usually includes more extensive benefits, such as fuller outpatient cover for consultations, diagnostic tests, physiotherapy and mental health therapies, within the policy limits. A specialist at WeCovr or one of its broker partners can explain the different levels of cover.

Private health insurance typically does not cover routine dental treatment, although some insurers offer a dental option and there are standalone dental policies. A specialist at WeCovr or one of its broker partners can help you compare policies with dental options.

Most private medical insurance policies include cover for cancer diagnosed after the policy starts, but the level of cover varies: some policies limit drugs, treatment time or cost. A specialist at WeCovr or one of its broker partners can help you compare cancer cover between policies.

You can usually change your cover at renewal, and some insurers allow changes during the year. You also have a 14-day cooling-off period after receiving your policy documents, during which you can cancel. A specialist at WeCovr or one of its broker partners can help with changes.

Many policies include a digital GP service provided by the insurer, often with same-day or next-day appointments. Check what your policy includes.

Yes, family members on the same policy can potentially have different levels of cover tailored to their individual needs.

Yes. Insurers offer a range of cover levels to suit different budgets and needs, and a specialist at WeCovr or one of its broker partners can talk you through the options.

Your insurer can tell you which hospitals and specialists are included in your policy. For help comparing policies' hospital lists, tap one of the buttons above or below and fill in a few details, and a specialist at WeCovr or one of its broker partners will be in touch.

A fee-assured (or fee-approved) consultant has agreed to charge within your insurer's fee limits, so for eligible, authorised treatment you shouldn't have to pay a shortfall for their fees.

Many policies include some mental health cover, either as standard or as an option, usually with limits on therapy sessions or costs. Cover varies between insurers, so check the details.

Yes, children up to a certain age can usually be included on your policy, and some insurers offer discounts for children.

Like most health insurance plans, premiums may increase annually due to factors such as age and medical cost inflation.

The cost of health insurance varies based on several factors. Tap a button below to get your own personalised quote through WeCovr.

Private health insurance can offer quicker access to consultations and treatment for eligible conditions, and more choice over when and where you are treated.

Many policies include physiotherapy, sometimes with limits on sessions or cost. A specialist at WeCovr or one of its broker partners can help you find plans that include it.

Services such as the insurer's digital GP app are usually available as soon as your policy starts.

You can obtain a range of suitable quotes easily by tapping one of the buttons above or below and filling in a few details for personalised assistance.

Health insurance covers eligible new conditions that arise after the policy starts. Pre-existing conditions are usually excluded, chronic conditions aren't covered, and other exclusions apply.

Health insurance pays for eligible private healthcare, such as consultations and treatment, up to your policy limits. A specialist at WeCovr or one of its broker partners can help you arrange cover.

Outpatient cover includes consultations, physiotherapy, and mental health therapies outside hospital admissions.

Usually, yes: cover for eligible new conditions starts when your policy starts, and services like a nurse helpline or digital GP app are usually available straight away. If you make a claim soon after starting, the insurer may ask for a report from your GP. Health insurance is designed to cover new conditions that arise after the policy has started.

No, health insurance does not cover A&E (Accident and Emergency) visits. Private hospitals do not typically have the facilities for handling A&E cases. In case of an emergency, please dial 999 or use the NHS emergency services. However, if you require follow-up treatment after an emergency situation, your private medical insurance may be able to assist.

Yes, many insurers offer rewards in leisure, wellbeing, and health. Visit your insurer's website, or ask a specialist at WeCovr or one of its broker partners, for details of member rewards.

You may be able to continue your cover with the same insurer on a personal policy, or take out a new policy. Continuing with the same insurer can mean keeping your existing underwriting, so conditions covered under the company scheme may stay covered. A specialist at WeCovr or one of its broker partners can talk you through your options.

You can tap one of the buttons above or below and fill in a quick form to arrange a call to discuss your options.

Your cover may be similar but not identical, and ongoing medical conditions may be covered, depending on the terms. A specialist at WeCovr or one of its broker partners can help you find the right level of cover.

Usually not, because employers often pay for or contribute to staff cover and group schemes are priced differently. Your cover level and age also affect the price. A specialist at WeCovr or one of its broker partners can give you more detail.

There is usually a limited window after leaving, set by the insurer, so check as early as possible. Your personal policy can often start the day after your work cover ends, and a specialist at WeCovr or one of its broker partners can explain other options.

Have your leaving date and your current policy details ready, then contact WeCovr to discuss your options with a specialist at WeCovr or one of its broker partners.

Ongoing treatment may be covered if you continue with the same insurer on a personal policy, although it could affect the price. A specialist at WeCovr or one of its broker partners can explain your options.

Your insurer will explain how to pay your excess when you contact them for treatment authorisation. Usually you pay it to the hospital or consultant.

Usually not: with most insurers, there's no excess for services such as a digital GP. Check your policy.

Excess changes are usually made at renewal, although some insurers allow changes at other times.

No claims discounts can impact renewal costs based on claims history.

Pre-existing conditions usually aren't covered on a new personal policy. A specialist at WeCovr or one of its broker partners can explain the underwriting options.

This involves health-related questions before policy enrolment to determine coverage.

Moratorium underwriting simplifies enrolment but may require health disclosures during claims.

Claims may require additional information if under moratorium underwriting.

Pre-existing conditions are medical issues that existed before your policy started. Many insurers treat any condition you've had symptoms of, treatment for or advice about in the five years before the policy started as pre-existing. A specialist at WeCovr or one of its broker partners can help you understand how pre-existing conditions affect your options.

While some insurance providers automatically renew your private healthcare cover, it's worth comparing policies when yours is due for renewal to check it still offers good value for the cover you need. A specialist at WeCovr or one of its broker partners can help you compare.

Typically, you must be over 18 to take out your own policy, but children can usually be included on a family policy. Some insurers have an upper age limit for new customers, and premiums typically increase with age. A specialist at WeCovr or one of its broker partners can explain the age rules of different insurers.

Some insurers charge less if you pay annually, but this depends on the insurer. A specialist at WeCovr or one of its broker partners can tell you whether paying annually would save you money.

If your employer offers private health insurance as part of your benefits package, you likely don't need additional cover. However, there may be limits on the cover you receive, and it may not extend to your entire family. Remember, any insurance you get through work only covers you while you're employed there.

Usually not. With full medical underwriting you complete a medical questionnaire, and the insurer may occasionally ask your GP for a report. With moratorium underwriting there's no medical questionnaire upfront. A specialist at WeCovr or one of its broker partners can explain the requirements of different policies.

Many private health insurance providers now offer GP services, either digitally or face-to-face. This means you can often get a private GP appointment quickly, sometimes even on the same day. A specialist at WeCovr or one of its broker partners can help you find policies that offer GP services.

With private health insurance, you can often get a GP appointment much more quickly, sometimes even on the same day, through the insurer's GP service. A specialist at WeCovr or one of its broker partners can help you find policies that include it.

Inpatient care refers to any treatment requiring a stay in a hospital or clinic for at least one night. Outpatient care refers to treatments or tests that don't require hospital admission, such as minor diagnostic tests or physiotherapy sessions. A specialist at WeCovr or one of its broker partners can help you understand the different types of care and find a policy that suits your needs.

Private health insurance pays for eligible medical treatment if you fall ill, while critical illness cover pays a lump sum if you are diagnosed with one of the illnesses listed in the policy, which you can use however you choose, for example to replace lost income. A specialist at WeCovr or one of its broker partners can help you understand the differences.

Health insurance policies are designed for cover in the UK. For cover abroad, consider travel insurance for short trips or international health insurance for longer stays or if you have a holiday home overseas. A specialist at WeCovr or one of its broker partners can help you find appropriate cover.

If your employer pays for your health insurance, it's usually a taxable 'benefit in kind': you pay income tax on its value, normally through your tax code or payroll, and your employer pays Class 1A National Insurance. For the employer, the premiums are usually an allowable business expense. If you buy a personal policy, you pay for it from taxed income. For advice on your situation, speak to an accountant.

When you purchase a policy, you choose how much excess you pay, which is your contribution to the cost of treatment if you make a claim. The higher your excess, the lower your premium is likely to be. A specialist at WeCovr or one of its broker partners can help you understand how excess works and choose the right level for you.

These are two methods of underwriting a health insurance policy, relating to how insurance providers consider your pre-existing medical conditions when you take out cover. A specialist at WeCovr or one of its broker partners can help you understand the differences and choose the right option for you.

Some private health insurance providers offer a no-claims discount, similar to car insurance. Each year you don't claim typically adds to your no-claims discount, which can reduce your premium at renewal. A specialist at WeCovr or one of its broker partners can help you find policies that offer no-claims discounts.

To find the right health insurance for you, compare policies to find one that offers the features you need at a price you can afford. Consider your personal circumstances and what you want from your policy. A specialist at WeCovr or one of its broker partners can help you evaluate your options.

If you need treatment, a GP referral is not always necessary. However, this depends on how you plan to pay for your treatment. Most hospitals will allow you to book appointments with a consultant without a GP referral if you are paying out-of-pocket. If you have private medical insurance, check your policy terms to see whether your insurer requires a GP referral first (many do). Some policies offer direct access without a referral for certain conditions, such as muscle and joint problems or counselling for mental health issues.

Yes, you can obtain financing for a loan to cover the cost of surgery. Many private healthcare companies have partnerships with finance companies to allow you to spread the cost of private treatment over time. You could also explore getting an ordinary loan from your bank if this option proves to be more cost-effective for you.

WeCovr has published research into the cost of private health insurance in the UK. Click the link to find out more detailed information.

Yes, you can continue to receive treatment through the NHS even if you have private health insurance and have received private treatment in the past. This could be for rehabilitation after private surgery or for treatment that is not covered by your health insurance policy. For example, some cosmetic surgeries may be available through the NHS but are generally not covered by private medical insurance.

This is a difficult question to answer definitively. There are certain services that cannot be obtained privately, such as emergency treatment at an Accident and Emergency (A&E) department. Many NHS consultants also practise privately, so you could potentially see the same consultant either way. However, private healthcare typically offers shorter waiting times, usually a private room, and more flexible visiting. Some policies also give access to treatments and drugs that are not routinely available through the NHS.

Yes, you can self-refer to a private specialist without the need for a GP referral. However, the British Medical Association believes that in most cases, it is best practice to start with your GP, as they are familiar with your medical history.

Usually, yes. If you have private tests or scans but then want NHS treatment, your GP or private consultant can refer you to the NHS and share your results, although the NHS team may want to repeat some tests.



...

Who Are WeCovr?

WeCovr is an insurance specialist for people valuing their peace of mind and a great service.

👍 WeCovr will help you get your private medical insurance, life insurance, critical illness insurance and others in no time thanks to our wonderful super-friendly experts ready to assist you every step of the way.

Just a quick and simple form and an easy conversation with one of our experts and your valuable insurance policy is in place for that needed peace of mind!